Description: This abstract describes a presentation that shows a study on a long-term disability insurance portfolio under stochastic interest rates.

Description: The Society of Actuaries and LIMRA have sponsored a U.S. Individual Disability Income Persistency Study. The report, authored by Cathy Ho and Steve Elek, presents the results of a study of individual disability income (“IDI”) lapse experience in the United States between observation years 2000 and 2007. This is the first report in a two-part series that will present results of a study conducted jointly by LIMRA and the Society of Actuaries (SOA) and based on data provided by 12 individual disability income insurance writers.

Description: This abstract describes a paper that discusses the definition of forward rates in general and gives a generally valid definition of forward rates, and continues the work of Norberg (Insurance: Mathematics and Economics, 2010, 47(2), 105-112), who made the first attempt to define general forward transition rates.

Description: Discusses new valuation standards for credit disability insurance looking to be adopted by the NAIC.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.

Description: The author discusses group short-term disability or STD programs, including the advantages and disadvantages of self insured vs. insured plans, as well as hybrid approaches.

Description: A review of how credit life and disability insurance is used in conjuction with real estate loans.

Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: Voluntary health insurance coverage options are described including hospital indemnity, accident plans, disability insurance, and critical illness policies.

Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.